All Things Insurance

 I am currently working toward becoming in-network with Aetna and Excellus BlueCross BlueShield of New York. In the meantime, I support clients in navigating out-of-network benefits and can help you understand your coverage and options before getting started.

I am not able to work with Medicaid or Medicare plans, including on a private pay basis, but I’m happy to provide referrals to clinicians who accept your insurance.

Insurance plans can be confusing, and the name on your card doesn’t always reflect your network. You are likely in-network if your card includes:

• Excellus BlueCross BlueShield of New York 
• Aetna (or plans using the Aetna network, such as Meritain Health) 

If your card only says “BlueCross BlueShield,” it may be a different state plan. I’m happy to help you check.

 If I’m not in-network with your plan, you may still be able to use out-of-network (OON) benefits.

Many clients in this area have plans that include OON coverage, particularly:

• Cigna 
• Some Aetna PPO plans 
• Certain employer-based plans 

I partner with Thrizer to help make this process easier. They can:

• Check your benefits 
• Estimate your cost per session 
• Handle reimbursement directly with your insurance

*Click here to see if you have OON benefits, and if Thrizer is an option for you!

Thrizer Benefits Checker 

 All fees for private pay clients, as well as copays, coinsurance, or deductible amounts for insurance clients, are due at the time of the appointment. Fees are subject to change with written notice to active clients. Sliding scale options may be available based on financial need. 

You can find my rates here.

Your out-of-pocket cost will depend on your specific insurance plan and whether you are using in-network benefits, out-of-network benefits, or private pay.

While costs vary, many clients can expect the following general ranges:

• In-network (Aetna or Excellus BCBS): typically your copay, coinsurance, or deductible amount 
• Out-of-network (OON) benefits: often estimated between $45–$100 per session, depending on your plan 
• Private pay: $120–$175 per session, based on sliding scale availability 

These are general estimates and not a guarantee. I’m happy to help you understand your specific benefits before getting started.

Insurance can be confusing, and it’s not always clear what is covered or what your cost will be. I’m here to help make that process easier and to support you in understanding your options.

If you’re unsure about your coverage, you can email a photo of your insurance card (front and back). I’ll help you review your benefits and estimate your cost before we schedule. 

My goal is to make therapy as accessible and transparent as possible so you can make an informed decision about moving forward.